Quick Summary — SYF scores higher on quality with 8.3/10 vs SLM's 7.6/10. SLM trades at $22.05 while SYF trades at $70.97. Both analyzed daily using SEC EDGAR data across 13 institutional models.
SYF scores higher with a 8.3/10 quality rating vs SLM's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.
At $22.05, SLM trades +60.8% above its Bayesian DCF fair value of $8.65, while SYF at $70.97 trades +53.8% below its estimate of $109.12. SLM shows a wider gap between price and intrinsic value.
SLM earns a Quality of Company score of 7.6/10 compared to SYF's 8.3/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.
SLM carries a LOW value trap risk (30/100) while SYF shows SAFE risk (20/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.
Both SLM and SYF operate in Credit Services, which has 52 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).
11 hidden models compare SLM vs SYF differently — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more. Some may disagree with the 2 you see above.
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